Zhong Guo Jin Rong Xin Xi Wang·2025-05-14 11:47Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Jinhua Tea Branch has effectively utilized the "Rong e Borrow" product to enhance inclusive finance, achieving significant loan growth and quality improvement in the first four months of the year [1][2]. Group 1: Loan Growth and Quality Improvement - As of April 30, the branch has issued a total of 13.11 million yuan in "Rong e Borrow" loans, with a net increase of 8.21 million yuan since the beginning of the year [1]. - The bank's strategy focuses on precise support for the real economy, leading to an increase in both the volume and quality of loans [1]. Group 2: Service Process Optimization - The branch has restructured its service processes under the principle of "letting data run more, and customers run less," creating a "fast track" for inclusive finance [2]. - A simplified process allows customer managers to complete the entire signing process on-site, achieving a "no need to run" experience for clients [2]. - The implementation of a "T+0" mechanism enables clients with complete documentation to complete approval within 2 hours, speeding up the process by 80% compared to traditional methods [2]. Group 3: Technology Empowerment - The use of digital tools has led to cost reduction and efficiency improvement, with a 25% decrease in ineffective applications through the application of big data models for customer qualification screening [2]. - The entire documentation process has been digitized and paperless, allowing clients to provide their ID and complete the signing process in just 8 minutes [2]. - A "risk dashboard" system has been established for real-time monitoring of loan fund flows, enabling early identification and handling of risks through automatic alerts for abnormal transactions [2]. Group 4: Future Plans - The branch aims to further enhance its inclusive finance services by leveraging "Rong e Borrow" as a key tool, focusing on professional skills, agile responses, and high-quality service [2].